Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$43,687Cash toward the purchase price.
Closing costs + prepaids$11,088Not just lender fees.
Before credits & paid funds$54,775The complete starting cash picture.
Estimated remaining funds due at closing
$54,775No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,686.88
Your down payment$43,686.88
Closing costs + prepaids$11,088.14
Total buyer cash needed$54,775.02
Remaining funds due$54,775.02
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$2,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,181.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$718.00
Initial HOA (3 months)$165.00
Prepaid interest, first (22 days)$1,005.59
Fees + prepaids$11,088.14
Your down payment is the seller’s equity. You take over the $236,312 balance, so the rest of the $279,999 price is paid at closing. A second mortgage can cover part of it. $54,775.02 is due at closing. Uses and sources reconcile at $291,087.14 each. Not a Closing Disclosure.